TRICARE Copays List 2026: Prime, Select, & Pharmacy Rates

*Disclaimer: TRICARE.com is an independent reference site and is not the official TRICARE program. For the most current official information, visit TRICARE.mil.*

## Quick answer TRICARE copays vary based on your beneficiary group (Group A vs. Group B), your specific plan (Prime vs. Select), and the status of the sponsor. Active Duty Service Members and their families using TRICARE Prime typically pay $0 out-of-pocket, while retirees and families on Select plans pay fixed dollar amounts for most services.

Details

TRICARE divides beneficiaries into two groups which dictate your "costs share" or copay structure: * **Group A:** Sponsor’s initial enlistment or appointment was before January 1, 2018. * **Group B:** Sponsor’s initial enlistment or appointment was on or after January 1, 2018.

### TRICARE Prime Copays (2026 Rates) If you are an **Active Duty Service Member (ADSM)** or an **Active Duty Family Member (ADFM)** on Prime, your copays are **$0** for all covered services as long as you have a referral.

For **Retirees, their families, and others** on Prime: * **Primary Care Visit:** ~$27 (varies by exact plan year adjustment). * **Specialty Care Visit:** ~$39. * **Urgent Care Center:** ~$39. * **Emergency Room:** ~$77.

### TRICARE Select Copays (2026 Rates) Select plans use a combination of annual deductibles and fixed copays. * **ADFM (Group A):** Primary care visits are often ~$25–$30; Specialty care ~$40–$50. * **Retirees (Group A):** * **Primary Care:** ~$36. * **Specialty Care:** ~$54. * **Urgent Care:** ~$36. * **Emergency Room:** ~$150. * **Group B (Fixed Rates):** Group B beneficiaries generally have higher deductibles but standardized copayments across the board.

### Pharmacy Copays (2026 Rates) Prescription costs are managed by Express Scripts and are the same regardless of your TRICARE health plan: * **Military Pharmacy:** $0 for up to a 90-day supply. * **TRICARE Pharmacy Home Delivery (90-day):** Generic (~$16), Brand (~$43), Non-formulary (~$76). * **Retail Network Pharmacy (30-day):** Generic (~$16), Brand (~$43), Non-formulary (~$76).

### Point-of-Service (POS) Charges If you are on a Prime plan and see a provider without a referral (when one is required), you will not pay a standard copay. Instead, you pay a **Point-of-Service deductible** (typically $300 for individuals/$600 for families) and **50% of the TRICARE-allowable charge** for that visit.

## Who this affects * **Active Duty Family Members (ADFMs):** Low to no copays on Prime; moderate copays on Select. * **Retirees and their Families:** Subject to annual enrollment fees and per-visit copays. * **TRICARE Reserve Select (TRS) / TRICARE Retired Reserve (TRR):** Members pay monthly premiums and Group B-style copays. * **Survivors:** Benefits depend on whether they are in transitional or long-term survivor status.

## Sources * **TRICARE.mil:** [Compare Costs Tool](https://www.tricare.mil/costs) * **Humana Military (East):** [Cost Summary Page](https://www.humanamilitary.com) * **TriWest Healthcare Alliance (West):** [Provider & Member Portal](https://www.triwest.com) * **Express Scripts:** [Pharmacy Cost Overview](https://tricare.expr-scripts.com)